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Thanks GEMB!

texasman07
Established Contributor

Thanks GEMB!

So I applied for the TJMAXX Card. Approved 200.00$ CL

I applied for the Banana republic Card. Approved 400.00$ CL

JCPENNY CARD 500.00$ CL

 

And heres the deal with this just in case you get that 7-10 Day Message.  If you call this number 1-866-246-4282 within 48 hours of that 7 -10 Day message, chances are you will get approved.

 

I appled for the Gap card and got the "Will send you an letter within 7-10 days of our decision" the next day i called the Underwriters number and said, "I think my application need further verification?" ( a lie of course) and the woman said oh sure hold on.  She brought up a few questions and said your approved!!

 

She also said if you ever get that message to call wtihin 48 hours and most likely GEMB will review your application once more.

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 1 of 18
17 REPLIES 17
DI
Super Contributor

Re: Thanks GEMB!

 


@texasman07 wrote:

So I applied for the TJMAXX Card. Approved 200.00$ CL

I applied for the Banana republic Card. Approved 400.00$ CL

JCPENNY CARD 500.00$ CL

 

And heres the deal with this just in case you get that 7-10 Day Message.  If you call this number 1-866-246-4282 within 48 hours of that 7 -10 Day message, chances are you will get approved.

 

I appled for the Gap card and got the "Will send you an letter within 7-10 days of our decision" the next day i called the Underwriters number and said, "I think my application need further verification?" ( a lie of course) and the woman said oh sure hold on.  She brought up a few questions and said your approved!!

 

She also said if you ever get that message to call wtihin 48 hours and most likely GEMB will review your application once more.


That's one of my lines I use depending on the circumstance.  Congrats to you on your approvals!

Message 2 of 18
texasman07
Established Contributor

Re: Thanks GEMB!

Thanks!!! I got all the cards I need now.  Im done for a looooooooooooooong time!!!

 

It was nice to get a round of approvals. 

 

I use store cards a lot for clothes and shoes for work.  I usually PIF and get at least 10-25$ back in Rewards once a month.

 

With my express fashion card i save anywhere between 25 to 100$ when i shop. 

 

For me, store cards make it easy since Im going to buy clothes and shoes anyway for work functions and social events that I have once a month. Might as well get money back!! Plus NO ANNUAL FEES OR MONTHLY FEES.!

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 3 of 18
DI
Super Contributor

Re: Thanks GEMB!

I have one store card from Sears, and use it only for oil changes.  I particularly do not like store cards.

Message 4 of 18
texasman07
Established Contributor

Re: Thanks GEMB!

GEMB makes it easy. I have never had a problem with them. Pay them through my bank and usually payments post the next day by midnight.  CLI's every 4 months. They are actually pretty easy to work with.  If it was a problem I wouldnt continue with them.  Although their APRS' are high, I PIF so it doesnt matter and no Annual Fee.  All in All I just have to say GEMB has been good with me in the past and it makes a difference.  You want to be good with them too when you have a company that is not stingy with CLI's are charges fee for everything you do.  Just my Opinion.

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 5 of 18
smc733
Valued Contributor

Re: Thanks GEMB!


@texasman07 wrote:

Thanks!!! I got all the cards I need now.  Im done for a looooooooooooooong time!!!

 

It was nice to get a round of approvals. 

 

I use store cards a lot for clothes and shoes for work.  I usually PIF and get at least 10-25$ back in Rewards once a month.

 

With my express fashion card i save anywhere between 25 to 100$ when i shop. 

 

For me, store cards make it easy since Im going to buy clothes and shoes anyway for work functions and social events that I have once a month. Might as well get money back!! Plus NO ANNUAL FEES OR MONTHLY FEES.!


I particularly don't like store cards, for a multitude of reasons, I prefer to pay Visa/Amex, BUT, in cases as yours, where you can reap significant benefits, store cards make a lot of sense.  My mother gets good benefits from her use of store cards.

 

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 6 of 18
mjbfan79
Valued Contributor

Re: Thanks GEMB!


@texasman07 wrote:

So I applied for the TJMAXX Card. Approved 200.00$ CL


What did they pull for this card TU or EQ

 


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 7 of 18
texasman07
Established Contributor

Re: Thanks GEMB!

GEMB ALWAYS pulls TU for me in TEXAS.

 

I have a few of thier other cards: Walmart, Chevron, American Eagle, and all have been TransUnion

Amex Delta Gold 4.5k Amex HH 2k Amex Green NPSL, AMEX Delta Blue 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 2.5k Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7.5K 7.5K Venture $17K Venture One 12K Quicksilver Visa Siggy 5.5K Citi Shell MC 2k, Total Rewards Visa 5.4K CITI AA Executive WEMC 15.4 Paypal Extras MC 8K, Citi Diamond WEMC 4K Citi DC WEMC 4.5K Citi Hilton Visa Siggy 8k.
Message 8 of 18
smc733
Valued Contributor

Re: Thanks GEMB!

GEMB pulls TU for me in New Jersey, too.

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 9 of 18
mjbfan79
Valued Contributor

Re: Thanks GEMB!

I live in IL they have been big time EQ pullers here but from time to time they will pull TU. They use to soft me on EQ allot for most of my accounts I have with them but now I noticed they only softed TU this past year so maybe there making a switch to primarily use TU.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 10 of 18
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